Added peace of mind with comprehensive protection

• The precious moments you enjoy at home are now extended with Premier Home Comprehensive Insurance. Our all-in-one insurance package takes care of you and your family members, giving you total protection for your home contents, personal belongings, buildings as well as domestic helpers.

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"Premier Home Comprehensive Insurance" provides a wide range of protection schemes, giving you peace of mind and the time to enjoy a care-free life.

• All-rounded household coverages of up to HK$1,200,000(per event), cover the accidental loss and damage to your Home Contents. e.g. in the event of typhoon, fire, explosion, burglary, Malicious Damage by Tenant and other incidents
• Cover accidental physical loss of or damage to the window at Home as a direct result of typhoon and rainstorm, up to HK$20,000 (per event), from July to October every year
• Legal Liability coverages of up to HK$10,000,000(per event/year), covers your legal liability as a homeowner, a resident or a tenant and the homeowner’s liability in the common part of the building of your home
• 3 Plan types with value-added choices, just pick and choose our optional benefits upon your needs

MAJOR EXCLUSIONS (Please refer to policy provisions for detailed exclusions)

General exclusions applicable to the Policy

• Wear and tear;
   
• electrical or mechanical breakdown;
   
• spectacles, contact lenses, dentures or prostheses;;
   
• pagers, portable phones(except as defined under - Extension Coverage to I. BASIC BENEFIT – item H. Laptop Computer and mobile phone);
   
• deliberate or malicious act(except as defined under - Extension Coverage to I. BASIC BENEFIT – item M. Malicious Damage by tenant);
• war, act of terrorism;
   
• damage due to poor construction or lack of maintenance of the Buildings;
   
• damage caused by any unexplained or mysterious disappearance and consequential loss;
   
• any part of the structure of the Buildings (except as defined under - II. OPTIONAL BENEFITS – 6.BUILDINGS);
• damage caused by water seepage, etc. 

Exclusion to Extension Coverage to I. BASIC BENEFIT - item B. Interior Decoration/ Refurbishment Works

• any loss directly or indirectly caused by bursting of water pipes and/or blocking of drainage system;
   
• any loss or damage directly caused by the workmanship in the decoration works.

"Premier Home Comprehensive Insurance" (Mortgage Customer Plan) is available to customers with BOCHK residential property mortgage loan service, and can be applied via mobile banking now. Details

"Premier Home Comprehensive Insurance" (Green Mortgage Customer Plan) is available to BOCHK Green Mortgage Customer. Please contact the branch staff or Contact Centre of BOCHK for more details.

Please read the illustrative example in the product video.

Please go to BOCHK Mobile Application/ Mobile Banking for instant application or visit any of our branches.

Download now iOS users         Android users    Huawei users 　　 Android users （If unable to access Google Play） Version: 7.0.19 Updated on: 29 November 2021

Remarks:

• Please download mobile applications from official application stores or BOCHK website, and ensure the search wording is correct. iPhone or iPad users may download BOCHK Mobile Applications via App Store; Android users may download BOCHK Mobile Applications via Google Play, and Huawei AppGallery or BOCHK website.
• Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are the registered trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and the HUAWEI EXPLORE IT ON AppGallery logo are the registered trademarks of Huawei Technologies Co., Limited.